Credit Repair

Is 639 A Good Credit Score – How to get a Perfect Credit Score in 2021 for Free

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Is 639 A Good Credit Score – Review

So how do you get excellent or very good credit, in the range of 760 to 850? So last year I had a 631 credit score and today February, I have a 749, that’s over 100 points in one year, and by the end of this year, it should rise by a few more points also.

So my goal for these videos is to teach you guys exactly how to do this, so you can become a part of 20-25% of the highest credit scores in America. ( that a big deal)

How to get a perfect credit score in 2020 for Free

Basic Idea: is to understand the factors and little loopholes you can use to increase your credit score step by step.

1. Why you want a good credit score
Story:
Beg: Whenever I would get asked these questions, my response was, well better credit score means you can qualify for more things.
Climax: it’s not really about the qualifying part, because if you have a job and you pay on time, they’ll you the loan. But the main thing, at what rate they’ll give it to you at.
Ending: So for example here the difference in rates by credit score.

Heres a chart: of the difference if you buy a house worth 200k and how much you would pay in interest.

So have Excellent Credit 760-850: lower rate: 1.6% different from the lowest. : so total interest payment $119,626

However, if you have Poor Credit 620-639 ( how I had It): well no we are talking an additional $66,754 extra just on interest.

And that’s why raising your credit is so important.

Comment: Your first credit card interest rate vs your latest.
My first card: 27.24%
My Discover one of the recent Cards: 17.49%

Ps: once your credit score has improved, call those credit score and ask for interest reduction, because your credit has increased.

2. What we need to do

Pay everything on Time: this makes up 35% of your credit score.
Story:
When I got a very first credit card I bought a MacBook pro for $3,000 dollars and then I lost my job and I had no way of paying it back. But, I hustled and made the minimum payment while I was getting a new job. That way I avoided having any negative remarks on my history:
Note: Late payments stay on your credit report for 7 years, I think that a little petty but yeah. If you have any, I’ll link a video on how to get them removed.

Keep your Credit Card Balance very Low: This counts for 30%, its called credit card utilization.
Story: When my credit score was 639 last year, it was because of late payments, it was because I had it at 745 and then borrowed a ton of money to invest and increased my credit card use to over 80%. So my credit crashed. So now that’s why it’s back to normal.
Note: Maintain below 10% to get that great score but below 20% is still pretty solid.

Avoid way too many Credit Inquiries: This counts for 10% not that much but it could keep you from that perfect score.
Story: I remember I needed some cash and I started applying for credit cards left and right and then that din my score by 2 points every time, because of the hard credit inquiry.
So make sure you are 90% sure you’ll get accepted before you apply, and even if you do get rejected, call in and try to get it overturned.
Note: This only stay for 2 years, I think it should be 1 year, to be honest.

3. What if you already messed up
– You already have a massive balance
– You already have late payments
– You also even have a fee inquiries

Solution:
Story: You can’t change anything unless you know what you’re dealing with
So make sure you sign up for: CreditKarma or Credit Sesame, I currently use Credit Karma and I have been for the past 4-5 years.

2 things you can do:

a. Fight/ Dispute it, if it’s incorrect.
b. Just let Expire from your score, and wait for 2 – 7 years.
Secret: Or just call them and ask them to be removed on good faith since you’ve been paying x amount of time without missing any payments.

4. How to maintain it and how long it’ll take

It’ll take time, and its also simple to maintain.
For me: I’ve been working with my credit score for the past 4 -5 years, and now I’m about to reach the 760s in March. So just be patient and play the game.

Meaning: Make your payment on time and in full every month, add different types of debt as you need them, and step by step, it’ll keep increasing.

Good news: Most lender consider 760 a great credit score, and that’s a lot easier.

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27 Comments
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27 Comments

  1. TommyBryson
    July 25, 2021 at 12:53 am

    I think by early 2021 I should ready, however by march my credit score should be 100% ready. The rest of the time is just for knowledge on real estate and also Taxes and stuff 😎
    *How to make money From Credit Cards**
    lInk: https://www.youtube.com/watch?v=pvoKfeeLv9I

  2. Elmer Conner
    July 25, 2021 at 12:53 am

    Hey Tommy! Your content is very applicable especially these steps on how to get a perfect credit score, they are helpful to me. Any opinion on digital real estate? I invested in this Ippei Kanehara's program a year ago, now I got 7 sites creating, about $5,300 coming in each month in recurring passive income. Achieved the best site, a concrete site in Tampa, which brings me $2,100 each month.

  3. report7777
    July 25, 2021 at 12:53 am

    I heard that before how quick the credit goes up ? ( and i also heard that it has to be certain banks no all ) im trying to get 10 point urgently to qualify for a loan ( to reach the minimum is this works ? and any other trick?

  4. My Game Is Honesty
    July 25, 2021 at 12:53 am

    Where can I get that hoodie?

  5. Annabeth Hollie Griffith
    July 25, 2021 at 12:53 am

    I filled bankruptcy on a vehicle and when i did they put my motorcycle in with it since i was still paying on it but just found out it still shows on my credit that my motorcycle still has an open account with the finance company and says ive missed payments since last April, but its suppose to be under chapter 13 bankruptcy, I've went through some really tragic moments that damaged my credit but after meeting SolutionX, every negative items were deleted along with my BK Chapter 13, this changed my life and I am now in the 800 club with a clean reports and debt free. contact send your request and mail to f i x x h a c k x s p y   @   g m a i l , c o m  .
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  6. Becky Rebecca Quin
    July 25, 2021 at 12:53 am

    I had a situation where my former landlord put all these charges on my credit saying I damaged the apartment and I left early none of which is true I was exploring the lawsuit option but in the meantime I was not able to rent an apartment because of this and it destroyed my life I didn’t feel I had to pay for something I did not do they can neither validate nor show any proof of damages I was informed a ethical repairer helps people in cleaning credit which I am so happy about I tendered my problems to them and they removed all damaging info on my credit It took them a couple of days to get my credit cleaned and it’s such an amazing feeling to be finally free from all that problems I had THIS IS CREDIT REPAIR SERVICE AT ITS BEST AnonymoussoltionX . org

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    July 25, 2021 at 12:53 am

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  8. TheExpressionChannel
    July 25, 2021 at 12:53 am

    I need that 700+ to buy my first quadplex! and production studio I appreciate you sharing G !

  9. Slanted Eyes
    July 25, 2021 at 12:53 am

    Had to hit that like button. It was at 666 😰
    Great video btw. Videos like these boosted me to 100+ score. Keep it up!!

  10. Chris Dodges
    July 25, 2021 at 12:53 am

    5:57 VIDEO STARTS

  11. sabrena johnson
    July 25, 2021 at 12:53 am

    Great information.

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    July 25, 2021 at 12:53 am

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  13. Lonewolf Mcquaid
    July 25, 2021 at 12:53 am

    650 to 692. I want to hit 760. I financed a home and two cars currently. I need a personal loan to Start a buisness. I got 17k cash and card utilization 3% history is on time. It's moving up to slow

  14. Rose Barkley
    July 25, 2021 at 12:53 am

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  15. kate smith
    July 25, 2021 at 12:53 am

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  16. Tutor cerca
    July 25, 2021 at 12:53 am

    My account is 5 years old, and set to fall off in November
    (In Canada, charge offs are reported for 6 years from the date of last activity).This account is also on my TU report. When I checked my scores in August, my EQ score was 529 and my TU score was 560..So I looked up google if I could find an expert to help me increase my scores, fortunately I read on a blog about some hackers who could get it done.
    I contacted two, had my doubt in one so I went for the second that happened to be the right deal He was very straight forward and told me how he would go about it and the time frame. I paid him and he got my job done, now my credit scores is where I want it to be and i can get the house of my choice now.
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    July 25, 2021 at 12:53 am

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  18. Danielle Louise Moinet
    July 25, 2021 at 12:53 am

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  19. Francisco Millan
    July 25, 2021 at 12:53 am

    I have 669 is that good!?? Thanks . and yes need a home ….

  20. Aek Sinsang
    July 25, 2021 at 12:53 am

    Thanks bro, some good life lessons in there too!

  21. Malory Marvin
    July 25, 2021 at 12:53 am

    lexington law has been a legit waste of time for me and my family. I've had tried different repair companies all to no avail untill i was referred to  SolutionX and i'm grateful. I was a little below 600 but now I’m up 830 within a week,thanks to the agency expertise, my student loans,bankruptcy, business loan were also taken care of,contact and send an email to f i x x h a c k x s p y   @   g m a i l ▪︎ c o m . For your help and Assistance, I highly recommend…

  22. Malory Marvin
    July 25, 2021 at 12:53 am

    M.m
    lexington law has been a legit waste of time for me and my family. I've had tried different repair companies all to no avail untill i was referred to  SolutionX and i'm grateful. I was a little below 600 but now I’m up 830 within a week,thanks to the agency expertise, my student loans,bankruptcy, business loan were also taken care of,contact and send an email to f i x x h a c k x s p y   @   g m a i l ▪︎ c o m . For your help and Assistance, I highly recommend.

  23. Mercedes Jutsine
    July 25, 2021 at 12:53 am

    I have been trying to fix my credit profile for a long time with no real results not until few days ago when I read a great reviews and testimonies about SolutionXHack… I contacted them immediately and they responded .. I made some down payment and forwarded my personal information. My credit score is 805 now and he also cleared my chase credit debt, inquiries, bankruptcy and debt consolidation programs.they are 100% legit, honest and fast..I highly recommend. Send your email to fixxhackxspy @ gmail ● com and thank me later

  24. Deloris Walls
    July 25, 2021 at 12:53 am

    Buy a home!!

  25. Stephanie Nicole
    July 25, 2021 at 12:53 am

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  26. Stephanie Nicole
    July 25, 2021 at 12:53 am

    I was thinking of applying for a bankruptcy form because i have no other options, I'm on a fixed income and cannot afford new things like auto loan, mortgage loan. My insurance premiums increased and interest rate has hinder me from getting some benefits and securing a job of my choice.,i came across a comment of a young man on a blog giving kudos for job well done to a credit fixing specialist (SOLUTIONX) who assisted him in clearing off debts and bad credit report,i took a risk by hiring him to Fix my credit score. I'm happy to tell you that this was fixed within 17 working days by this exceptional experiences i was impressed by his work and that's the reason I'm recommending him as well. You can visit and send an email to  {  s o l u t i o n x catalyst @ g m a i l  ○ c o m }.  if you need such services as well

  27. Jamyra Green
    July 25, 2021 at 12:53 am

    I want to raise my credit score for i can buy my dream car im currently at 521 and want to be at 740